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416.51 USD
P/E
11.45
EPS
36.38
P/B
2.92
ROE
25.90
Beta
1.32
Target Price
460.00 USD
Credit Acceptance Corporation logo

Credit Acceptance Corporation

🧾 Earnings Recap – Q3 2025

Credit Acceptance Corporation reported a decline in loan performance and year-over-year originations despite maintaining a record-high loan portfolio of $9.1 billion, reflecting ongoing challenges in a competitive market.

  • Total loan portfolio increased 2% year-over-year to $9.1 billion, despite a 0.5% decrease in forecasted net cash flows.
  • Market share in subprime used vehicle financing dropped to 5.1% from 6.5% year-over-year, largely due to competitive pressures and changes in scoring metrics.
  • The company financed nearly 80,000 contracts, with dealer partnerships expanding to over 10,180 active dealers.
  • Continued investments in technology modernization improved service delivery speed to dealers by 70% year-over-year.
  • Leadership transition announced as CEO Ken Booth prepares to retire after over 22 years with the company, positioning Vinayak as a strong successor to drive future growth.
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Key Metrics
Earnings dateApril 28, 2026
P/E11.45
EPS36.38
Book Value142.66
Price to Book2.92
Debt/Equity417.17
% Insiders49.985%
Growth
Revenue Growth0.02%
Earnings Growth-0.10%
Estimates
Forward P/E7.67
Forward EPS54.33
Target Mean Price460.00

DCF Valuation

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Credit Acceptance Corporation Logo Credit Acceptance Corporation Analysis (CACC)

United States Financials Official Website Stock

Is Credit Acceptance Corporation a good investment? Credit Acceptance Corporation (CACC) is currently trading at 416.51 USD. Market analysts have a consensus price target of 460.00 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 11.45. This relatively low multiple may signal that Credit Acceptance Corporation is undervalued compared to historical market norms.

Earnings Schedule: Credit Acceptance Corporation is expected to release its next earnings report on April 28, 2026. The market consensus estimate for Forward EPS is 54.33.

Investor FAQ

Does Credit Acceptance Corporation pay a dividend?

No, it does not currently pay a dividend.

What asset class is Credit Acceptance Corporation?

Credit Acceptance Corporation is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be April 28, 2026. The company currently has a trailing EPS of 36.38.

Company Profile

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

Exchange Ticker
NMS (United States) CACC

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